Write a review

Newsletter

Go to business site

Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

View other Zopa products

4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Decent app-managed card, support needs to catch up A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support — res... Read more Reviewed on: 25th June 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

Read all reviews Write a review

About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

Review Zopa: Credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Very customer friendly Credir Card service

Very easy to signup - Phone App very easy to setup - and it is very easy to keep track off and manage my account on the App. I love the 'Credit Cushion' feature that always ensures u do not overspend Reviewed on: 21st February 2023

Reliable, conviennent and easy to use

I’m so glad I got my Zopa credit card as it’s such an easy to use, very detailed experience. I’ve been able to build my score up quickly whilst filling understanding and learning a lot more about credit Reviewed on: 21st February 2023

So easy to use

With low credit, I used this card to build up my score while keeping interest rates low. Would highly recommend. Such an easy app to navigate too Reviewed on: 21st February 2023

Excellent.

Just a very good company. Whole experience has been great. Reviewed on: 21st February 2023

Brilliant

Excellent service and money when you need it whit a great online mobile service Reviewed on: 21st February 2023

Excellent

The best Reviewed on: 21st February 2023

Ok

The card is ok but the interest rates are quite high Reviewed on: 21st February 2023

Excellent service

Really good customer service, lots of opportunity to build credit score. Reviewed on: 21st February 2023

Superb

Simple and easy to use. App is a great addition to manage balance and payments. Reviewed on: 21st February 2023

easy process

would recommend easy process and easy to manage Reviewed on: 21st February 2023

Do you have a different Zopa product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit card
from Chase Bank 4.81 from 383 reviews
Balance Plus (discontinued)
from Capital One 4.20 from 4 reviews
Credit card
from first direct 4.26 from 27 reviews

Want to see more from Zopa?

Personal loan
from Zopa 4.91 from 69091 reviews
Fixed term savings account
from Zopa 4.87 from 1795 reviews
Cash ISA
from Zopa 4.84 from 1546 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub